Patents by Inventor Barbara Elizabeth Patterson

Barbara Elizabeth Patterson has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 8219489
    Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.
    Type: Grant
    Filed: July 29, 2008
    Date of Patent: July 10, 2012
    Assignee: Visa U.S.A. Inc.
    Inventor: Barbara Elizabeth Patterson
  • Publication number: 20120101881
    Abstract: The LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS (“L-PROMO”) transforms consumer credentials, consumer opt-in activities, and, merchant campaign setup inputs via L-PROMO components into a financial transaction and offer redemption outputs. In one implementation, a method is disclosed, comprising: receiving consumer identifying information from a consumer electronic wallet vehicle; receiving merchant information and a proposed transaction from a merchant terminal; initiating consumer payment by sending a payment approval to an electronic wallet account; receiving a request to apply a promotional offer; determining consumer eligibility to apply the promotional offer to the proposed transaction; applying the promotional offer to the proposed transaction by returning credits to the consumer based on terms of the promotional offer; sending transaction details to the consumer; and sending a message to a social network indicating the transaction on the consumer's social media page.
    Type: Application
    Filed: May 25, 2011
    Publication date: April 26, 2012
    Inventors: Mary Theresa Taylor, Karen L. Cervenka, Shilpak Mahadkar, Barbara Elizabeth Patterson
  • Patent number: 8103588
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.
    Type: Grant
    Filed: September 29, 2009
    Date of Patent: January 24, 2012
    Assignee: Visa International Service Association
    Inventor: Barbara Elizabeth Patterson
  • Patent number: 8019685
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.
    Type: Grant
    Filed: September 28, 2009
    Date of Patent: September 13, 2011
    Assignee: Visa International Service Association
    Inventor: Barbara Elizabeth Patterson
  • Publication number: 20110178929
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter. In B2B transactions, clearing requests that are less than (or slightly above) a previously contracted amount can be denied because they are less than what the buyer expected.
    Type: Application
    Filed: March 30, 2011
    Publication date: July 21, 2011
    Inventors: Paul Durkin, Barbara Elizabeth Patterson, Kevin Marriott, C William Byrne
  • Publication number: 20100228670
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.
    Type: Application
    Filed: September 28, 2009
    Publication date: September 9, 2010
    Inventor: Barbara Elizabeth Patterson
  • Publication number: 20100228671
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.
    Type: Application
    Filed: September 29, 2009
    Publication date: September 9, 2010
    Inventor: Barbara Elizabeth Patterson
  • Publication number: 20100161404
    Abstract: Disclosed methods enable an open loop system processing of private label and co-branded account transactions. Implementations in the open loop system employ communications directly between a merchant and an issuer offering promotional financing for a promotional item being purchased from the merchant. Other implementations in the open loop system enable different transaction amounts in an authorization request message and its corresponding authorization response as are respectively sent and received by a merchant, where the different can be for a promotion offered to an accountholder for conducting a transaction on an account with the merchant.
    Type: Application
    Filed: November 23, 2009
    Publication date: June 24, 2010
    Inventors: Mary Theresa Taylor, Karen L. Cervenka, Shilpak Mahadkar, Barbara Elizabeth Patterson
  • Publication number: 20100145855
    Abstract: An enhanced payment processing system is configured to process non-sales related requests. For example, such requests may pertain to a consumer's application for a payment account, a request for identification of a payment account assigned to a specified consumer, a transfer of a monetary amount between two payment accounts, a payment to be applied to an account, and a change of an expiration date for a portable payment device. A merchant formulates a non-sales related request which is sent through the payment processing system to an account issuer. The account issuer receives the non-sales related request, complies with that request, and formulates a reply. The reply is sent back through the payment processing system to the merchant.
    Type: Application
    Filed: December 3, 2009
    Publication date: June 10, 2010
    Inventors: Edward W. Fordyce, III, Barbara Elizabeth Patterson
  • Publication number: 20100030688
    Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.
    Type: Application
    Filed: July 29, 2008
    Publication date: February 4, 2010
    Inventor: Barbara Elizabeth Patterson
  • Publication number: 20090006203
    Abstract: A payment processing system enables a consumer to purchase items at a merchant using an account provided by an issuer. Financial data related to payment for the purchase are sent by the merchant through an acquirer and a transaction expeditor to the issuer. The issuer responds by determining whether to authorize the purchase and if authorized, sends a notification back to the merchant. The acquirer also issues non-financial data that is conveyed by the transaction expeditor to a recipient connected to the payment processing system. The financial and non-financial data for the same transaction may be sent in separate messages and a technique is provided for matching those messages at the recipient. Different types of non-financial data can be conveyed, such as identification of the items being purchased which the recipient uses to determine whether the consumer should receive a reward under a product purchase incentive program.
    Type: Application
    Filed: April 28, 2008
    Publication date: January 1, 2009
    Inventors: Edward W. Fordyce, III, Barbara Elizabeth Patterson
  • Publication number: 20080296369
    Abstract: A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.
    Type: Application
    Filed: February 4, 2008
    Publication date: December 4, 2008
    Inventors: Shaun Bodington, Barbara Elizabeth Patterson, Gregory Charles Trifiletti